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By Kevin McPoyle, CIC, president and co-founder, KMRD Partners Inc.

It started out as a typically busy day. Susan, the HR manager of a medium-sized firm, packed her briefcase at 10 a.m. to travel to a branch office to make sure it was in compliance with all the new rules coming out of Washington. She hailed a cab and planned to grab a ride back with a colleague who was already at the branch office.

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